West Texas State Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Cost of borrowings climbed 3.60 percentage points in Q2 2026, from 4.27% to 7.87%. It was the largest change from Q1 2026 among the key lines here. Within Texas, West Texas State Bank is 52nd of 345 on net interest margin, 4.94% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. West Texas State Bank sits 0.99 points higher, at 4.94% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.25% |
| Yield on loans | 8.69% |
| Yield on securities | 3.48% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.37% |
| Cost of interest-bearing deposits | 3.28% |
| Cost of interest-bearing liabilities | 3.29% |
| Cost of borrowings | 7.87% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.94% |
| Yield to cost spread | 3.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.2M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $2.3M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 7.39% | 2.13% | 5.35% | 9.46% | 1.75% |
| Q4 2023 | 7.55% | 2.43% | 5.28% | 9.83% | 2.04% |
| Q1 2024 | 7.20% | 2.58% | 4.79% | 9.30% | 2.21% |
| Q2 2024 | 7.65% | 2.77% | 5.13% | 9.40% | 2.27% |
| Q3 2024 | 7.69% | 2.82% | 5.10% | 9.50% | 2.41% |
| Q4 2024 | 7.85% | 2.73% | 5.30% | 9.59% | 2.64% |
| Q1 2025 | 7.38% | 2.56% | 4.99% | 8.94% | 2.75% |
| Q2 2025 | 7.62% | 2.38% | 5.31% | 9.09% | 2.89% |
| Q3 2025 | 7.15% | 2.53% | 4.80% | 8.81% | 2.92% |
| Q4 2025 | 7.24% | 2.56% | 4.88% | 9.05% | 3.16% |
| Q1 2026 | 6.73% | 2.32% | 4.37% | 8.52% | 3.37% |
| Q2 2026 | 7.25% | 2.37% | 4.94% | 8.69% | 3.48% |
West Texas State Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock West Texas State Bank, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full West Texas State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16866) · FFIEC NIC profile (RSSD 406666)